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Product Offerings Group/Worksite Individual

Life/AD&D 

Dearborn Group Assurity
  • Higher volume life insurance amounts can be purchased with guarantee issue
  • Accelerated benefits & life waiver of premium benefits built-in
  • Proven respectful and rapid payment of employee and retiree claims
  • Accelerated Benefit for nursing facility care or terminal illness benefits built-in
  • Riders that Offer Plan Design Flexibility
  • Premium rates and convertible to whole life
  • 10 or 20 year guarantee issue premium plans

Accident 

Dearborn Group LifeSecure Assurity
  • Unique, affordable plan offerings
  • Payments made directly to the employee to use for any expense, medical or otherwise
  • Benefits are not tied to medical out-of-pocket costs
  • Guarantee issue and employees can still contribute to an HSA plan
  • Indemnity-based benefit payments (schedule of benefits)
  • Guaranteed Issued paying directly to policyholder
  • Benefit payout based on actual amounts charged rather than a schedule
  • No coordination of benefits & 24-7 coverage on AND off the job
  • Disappearing deductible available for worksite cases
  • Only the insurance policy can give you actual coverage amounts, terms, conditions, limitation and exclusions. LifeSecure Insurance Company – Brighton, MI. For agent use only. Not for solicitation purposes.
  • Guarantee issue
  • Wellness benefit build-in
  • Family-friendly benefits created with children in mind (child organized sports, hospital confinement-childcare & accidental death children-education)
  • 24-hour off-job coverage available

Critical Illness 

Dearborn Group Assurity LifeSecure
  • Guarantee option for groups with 51+ eligible employees
  • 24-month rate guarantee
  • Wellness benefit may be included
  • Portable-allows member to keep policy when changing jobs
  • $30,000 guarantee issue at 10 eligible lives regardless of tier
  • Guarantee issue every year at open enrollment
  • Issue-vs-attained age rating options
  • Re-occurrence and waiver of premium benefits built-in
  • Portable-allows member to keep policy when changing jobs
  • Guaranteed Issue - $10k Benefit Amount
  • Simplified Issue - $15k and $20k Benefit Amounts
  • No spousal underwriting
  • Dependent children coverage = $2,500 at NO additional cost
  • Re-occurrence & return of premium of benefits built-in
  • Only the insurance policy can give you actual coverage amounts, terms, conditions, limitation and exclusions. LifeSecure Insurance Company – Brighton, MI. For agent use only. Not for solicitation purposes.

Hospital Indemnity 

LifeSecure Assurity
  • Worksite coverage allows Guaranteed Issue - $200 Daily Benefit Amount & Simplified Issue - $210 - $900 Daily Benefit Amount; eligible ages 18-85, guaranteed renewable for life
  • Worksite Coverage up to 35 days per year of inpatient hospitalization, includes up to 4 days of treatment in an observation unit
  • Worksite coverage has available rider options for more design flexibility
  • Only the insurance policy can give you actual coverage amounts, terms, conditions, limitation and exclusions. LifeSecure Insurance Company – Brighton, MI. For agent use only. Not for solicitation purposes.
  • Guaranteed issue underwriting
  • Composite rates available with several flexible plan options
  • Waiver of Pre-ex and maternity waiting period available
  • Sickness-only plans available to complement stand-alone accident plan

Short-Term Disability 

Dearborn Group Assurity
  • Telephone claim intake for ALL group sizes
  • Work Incentive, Worksite Modification & Survivor benefits built-in
  • Lump Sum payment option for maternity and other specified disabilities
  • Flexible plan designs offering monthly benefit options in $100 increments
  • Portable coverage with 3-month, 6-month, 1-year and 2-year plans
  • Utilizes total disability “own occupation” definition
  • Off -the-job and 24-hour coverage available
  • Competitive industry classifications

Long-Term Disability 

Dearborn Group
  • Integrated STD to LTD claim management
  • Disability Resource Services (EAP Program) & Partial Disability Benefit built-in
  • ‘Own Occupation’ to ‘Any Occupation’ transition
  • ‘Diagnosed as Totally Disabled’ and/OR ‘Show a Loss of Income’ Option
  • Extensive rider options to allow for rich and flexible plan designs

Dental Care 

Dental
  • Flexible plan designs include passive, active and exclusive PPOs, voluntary options, ortho coverage
  • Huge PPO network lets members choose from more than 118,000 unique dentists in 440,000 locations throughout the U.S., including nearly 3.400 in Michigan
  • Per-claim participation arrangement means lets non-PPO dentists can choose to participate
  • Small group plans include required pediatric dental coverage
  • No-cost wellness program integrates oral and overall health to keep members happier and healthier

Eye Care 

Vision
  • Multiple plan options
  • Access to the largest network of private practice eye care doctors in the industry
  • Ease of administration (one ID card for medical and vision)
  • Connection to overall health
LIFE/AD&D ACCIDENT CRITICALILLNESS HOSPITALINDEMNITY SHORT-TERMDISABILITY LONG-TERMDISABILITY DENTALCARE EYECARE Group/Worksite Product Offerings
 

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